Drivers in Tacoma have an average annual premium of $1,358 for auto insurance, slightly more expensive than the state average. Among widely available insurers, PEMCO is the cheapest, with an average rate of $868. MoneyGeek also studied auto insurance rates by coverage amount and driving history. If you value both cost and quality, MoneyGeek ranked the best companies in Tacoma.
Compare the Cheapest Car Insurance Quotes in Tacoma, WA
The Cheapest and Best Car Insurance in Tacoma
The Cheapest Car Insurance Companies in Tacoma
For the average Tacoma driver with a full coverage policy, the most affordable companies are:
- USAA: $674 per year (only available to current and former military members)
- PEMCO: $868 per year
MoneyGeek used average auto insurance rates for a 40-year-old male driver with a full coverage policy, which includes liability insurance and comprehensive and collision insurance.
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Average Cost of Car Insurance in Tacoma
Car insurance in Tacoma is generally average in terms of cost. It’s more expensive than the state average, compared to Washington’s $1,264 average annual rate. However, car insurance companies in Tacoma still charge a little less than the national average of $1,424 per year at $1,358.
In specific terms, the typical policy in Tacoma is 7.4% more expensive than Washington’s annual premium, while it’s 4.7% cheaper than the national average. If you want the best rates, you should get a personalized quote.
The Best Car Insurance Companies in Tacoma
MoneyGeek rated auto insurers in Tacoma to find the best companies that balance affordability and quality service. The insurers that got the highest scores for most drivers are:
- Hartford: MoneyGeek score of 93 out of 100
- GEICO: MoneyGeek score of 85 out of 100
USAA received the highest score in Tacoma by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The final scores out of 100 are based on various factors, such as J.D. Power’s user satisfaction, affordability and financial stability ratings.
Personalized Quotes to Get You the Cheapest Car Insurance in Tacoma
A variety of factors can impact the cost of your annual premiums, such as ZIP code, gender, marital status and driving experience. Depending on your personal risk level, you can get higher or lower premiums compared to the average car insurance rates in Tacoma.
Do you want the best premium? Get a personalized quote from different car insurance companies in Tacoma to give you a chance for potential discounts and rebates.
Shopping around for car insurance in Tacoma could save you $490, which is enough to buy:
Cheapest Car Insurance in Tacoma by Coverage Amount
When it comes to auto insurance costs in Tacoma and elsewhere, the amount of coverage you buy plays a huge role. A policy only meeting state minimums in Tacoma costs $783 on average, while a full coverage policy typically costs $1,358. That means you can save as much as $575, depending on the coverage level that you choose.
Washington Minimum Liability Requirements
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
Different car insurance policies have express limits for each type and level of coverage they provide. For instance, PEMCO provides liability-only and full-coverage policies at different levels in Tacoma.
50/100/50 means you’re covered for $50,000 worth of medical coverage per person and up to $100,000 per vehicle, with $50,000 for property damage repair. The average cost of PEMCO’s 50/100/50 liability-only coverage is $576, while 50/100/50 full coverage costs around $798. If you have room in your budget, the increased coverage may be worth the extra expense.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Tacoma if You Have Driving Violations
The impact of driving violations on the cost of your annual premium can be significant. For example, PEMCO charges an average of $868 if you have a clean record. A speeding ticket will push that up to around $1,068, while an at-fault accident increases the average cost to $1,170.
Driving under the influence can almost double your average car insurance rates in Tacoma with PEMCO. When looking for car insurance in Tacoma, you’ll find better deals if you have a clean driving record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
ZIP code is another factor that influences car insurance quotes in Tacoma. Different neighborhoods have varying rates, considering the differing frequency of accidents, uninsured motorists and more in each locale.
In Tacoma, drivers in ZIP code 98444 can expect to save around $20 on average compared to policyholders from ZIP code 98404.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Tacoma
Factors That Impact Insurance Costs in Tacoma
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Tacoma. How Tacoma ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Tacoma are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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